https://scholars.lib.ntu.edu.tw/handle/123456789/125577
標題: | 英國金融服務法下規範體系之研究 | 其他標題: | The Regulatory Framewor k of the English Financial Ser vices Act 1986 | 作者: | 曾宛如 | 關鍵字: | 證券暨投資局;金融服務局;英格蘭銀行;一九八六金融服務法;金融服務及市場草案;一九九八英格蘭銀行法;the Securities and Investments Board;the Financial Services Authority;the Bank of England;the Financial Services Act 1986;the Financial Services and Markets Bill;the Bank of England Act 1998 | 公開日期: | 1999 | 出版社: | 臺北市:國立臺灣大學法律學系暨研究所 | 摘要: | 英國金融服務法在一九八六年頒布後至 今已逾十年。基於自成一格的發展歷史,銀 行及其他金融服務業者分屬不同管理體系; 存放款為銀行典型營業項目之一,自一九七 九年英國政府開始管理此項行為後,銀行業 在這方面一直由英格蘭銀行(Bank of England)擔任規範者;反之,依金融服務法 而設立之證券暨投資局(Securities and Investments Board)則專司一切有關投資及投資事業之管理。但是,在現實之演變上,銀行、證券、 保險、乃至一切金融業其間之界線日益模 糊;銀行業者早已不是單純之存放款機構, 參與投資事業、提供投資建議均屬常見,反 之亦然。因此這種因目的不同所為之管理區 分方式顯然將造成規範及規範者之重複。不 僅為被規範者帶來相當大的負擔,也形成一 套體系龐大且十分複雜難懂之規範。為簡化 這一切問題並收統一管理之效,英國將證券 暨投資管理局改名為金融服務局(the Financial Services Authority),並將原屬英格 蘭銀行之部分權限移轉於前者,待新草案金 融服務及市場法(the Financial Services and Markets Bill)通過後,金融服務局將管理銀 行、投資業、保險業、交易所,並直接給予營業之授權。這種安排是否妥當並非毫無爭議,但其 收事權統一之效並避免資源重疊之浪費則屬 不爭之事實,只要能維持其獨立性及專業 性,應屬正確之改革方向。 It has been more than one decade since the promulgation of the Financial Services Act 1986. Due to the specific evolution of the English regulation concerning banking and financial services, the deposit-taking business was traditionally controlled by the Bank of England ;while on the other hand any business falling within the definition of investment was regulated by the Financial Services Act 1986 and accordingly controlled by the SIB (the Securities and Investments Board). As it has been clearly pointed out: “the blurring of institutional boundaries in the financial services sector is set to continue, with banks converting debts into securities, securities houses moving to closer involvement in credit investment…”[1][2], the separation of the regulatory systems was in fact arbitrary and inefficient. As a result, the SIB was changed its name to the Financial Services Authority (the FSA) on 28 October 1997; in the meantime, some of the power belonging to the Bank of England was transferred to the FSA by the Bank of England Act 1998. All these mark the creation of a single regulator for all financial markets. This change has undoubtedly caused some arguments; however, from the perspectives of efficiency and simpler regulatory structure, the new regime should be acceptable as long as the new Authority is capable of being independent and professional. |
URI: | http://ntur.lib.ntu.edu.tw//handle/246246/12777 | 其他識別: | 882414H002029 | Rights: | 國立臺灣大學法律學系暨研究所 |
顯示於: | 法律學系 |
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882414H002029.pdf | 33.65 kB | Adobe PDF | 檢視/開啟 |
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